Mortgage FAQs Simplified

Mortgage Loan FAQs

Find clear answers to common questions about mortgage loans, eligibility criteria, and how our services can support your home buying journey.

  • What types of mortgage loans does Silver Tree Capital offer?

    We provide VA, FHA, Conventional, and USDA loans, each designed to meet different financial situations and homebuyer needs.

    Our team helps you select the best loan product based on your credit profile, down payment ability, and home location.

  • Who is eligible for a VA loan?

    VA loans are available to veterans, active-duty service members, and certain members of the National Guard and Reserves.

    These loans offer competitive rates and often require no down payment or private mortgage insurance.

  • How do I qualify for an FHA loan?

    FHA loans are ideal for first-time buyers with lower credit scores or limited down payment funds.

    Qualification involves meeting credit, income, and property standards set by the Federal Housing Administration.

  • What is the process for applying for a mortgage with Silver Tree Capital?

    Start with a pre-approval to understand your borrowing capacity, followed by document submission and loan processing.

    Our team guides you through each step, ensuring transparency and timely communication until closing.

  • Can I refinance my existing mortgage through Silver Tree Capital?

    Yes, we offer refinancing options to help lower your interest rate, reduce monthly payments, or access home equity.

    Our experts evaluate your current loan and financial goals to recommend the best refinancing solution.

Why Clients Choose Silver Tree Capital

Our clients value our honest guidance, tailored mortgage solutions, and deep knowledge of the San Diego housing market. We prioritize clear communication and a smooth loan process from start to finish.

Commitment to Personalized Service

Every borrower’s financial situation is unique. We customize loan options to fit individual needs, ensuring you receive the best mortgage product for your goals and circumstances.

Rooted in Integrity and Local Expertise

Based in San Diego, we combine transparency with local market insight to help you make informed decisions. Our long-term partnership approach means we’re here for you beyond closing.
Real Stories from Our Clients

Silver Tree Capital guided me through every step with clear advice and genuine care. Thanks to their support, I secured a VA loan that perfectly fit my needs and now own my first home in San Diego. Their team made the process straightforward and stress-free.

Michael R. Thompson

Veteran Homebuyer, San Diego